Sunday 11 October 2026
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Primerica, Inc.
Primerica, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $3.3 billion, up 6.56% from fiscal 2024. In the quarter to June 2026, revenue grew 9.04%, EPS grew 19.4%, free cash flow grew 5.06% and total debt fell 9.95%, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for three.
275.19
0.20
−0.07%
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| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | Dec '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
11.25 | 19.70 | 13.09 | 12.52 | 12.74 | 13.92 | 15.09 | 13.28 | 13.31 | 15.27 |
Piotroski F-Score |
8 | 7 | 8 | 7 | 8 | 6 | 8 | 7 | 7 | 7 |
P/S ratio |
2.56 | 3.00 | 2.72 | 2.03 | 2.24 | 2.42 | 2.68 | 2.26 | 2.75 | 2.18 |
P/FCF ratio |
9.63 | 11.13 | 11.35 | 7.37 | 9.58 | 8.71 | 11.97 | 9.20 | 12.16 | 11.81 |
P/Operating CF |
24.93 | 34.24 | 31.02 | 26.13 | 27.31 | 22.41 | 33.54 | 22.23 | 25.60 | 25.94 |
P/B ratio |
3.45 | 4.10 | 3.62 | 2.66 | 2.91 | 2.92 | 3.33 | 2.93 | 3.28 | 2.72 |
Price to Tangible BV |
3.51 | 4.19 | 3.70 | 3.14 | 3.55 | 3.00 | 3.43 | 3.03 | 3.40 | 2.84 |
EV/Sales |
2.91 | 3.43 | 3.27 | 2.66 | 2.87 | 3.75 | 4.10 | 2.82 | 3.25 | 2.62 |
EV/EBITDA |
7.16 | 6.90 | 8.14 | 6.39 | 7.60 | 10.68 | 10.81 | 7.72 | 8.71 | 7.11 |
EV/Operating CF |
10.62 | 12.30 | 12.98 | 9.33 | 11.84 | 12.92 | 17.33 | 11.22 | 14.00 | 13.52 |
EV/FCF |
10.94 | 12.73 | 13.65 | 9.65 | 12.30 | 13.50 | 18.28 | 11.52 | 14.33 | 14.18 |
Quick Ratio |
0.38 | 0.40 | 0.40 | 0.44 | 0.50 | 0.54 | 0.53 | 0.56 | 0.61 | 0.64 |
Current Ratio |
0.38 | 0.40 | 0.40 | 0.44 | 0.50 | 0.54 | 0.53 | 0.56 | 0.61 | 0.64 |
Net Debt/EBITDA |
0.76 | 0.79 | 1.26 | 1.40 | 1.56 | 1.51 | 1.67 | 1.56 | 1.32 | 1.18 |
Debt/Assets |
11.79% | 13.02% | 13.18% | 13.92% | 12.32% | 11.54% | 11.38% | 10.67% | 8.91% | 7.65% |
Debt/Equity |
0.72 | 0.84 | 0.96 | 1.00 | 0.95 | 0.94 | 0.94 | 0.92 | 0.78 | 0.72 |
Asset Turnover |
0.22 | 0.21 | 0.19 | 0.17 | 0.17 | 0.16 | 0.16 | 0.15 | 0.14 | 0.14 |
Operating CF/Net income |
1.20 | 1.83 | 1.20 | 1.61 | 1.38 | 1.67 | 1.33 | 1.48 | 1.12 | 1.34 |
Capex/Depreciation |
(0.08) | (0.05) | (0.11) | (0.07) | (0.07) | (0.11) | (0.09) | (0.05) | (0.03) | (0.07) |
Interest Coverage |
41.68 | 38.52 | 30.02 | 27.39 | 22.02 | 18.57 | 17.56 | 15.44 | 14.32 | 12.77 |
| 31.93% | 21.76% | 28.15% | 22.95% | 24.27% | 22.04% | 23.43% | 22.37% | 26.53% | 18.54% | |
| 5.08% | 3.18% | 3.89% | 3.07% | 3.06% | 2.69% | 2.78% | 2.57% | 2.93% | 1.99% | |
ROIC |
17.60% | 16.92% | 13.97% | 12.55% | 10.94% | 10.53% | 10.10% | 10.23% | 10.55% | 11.19% |
Return on Tangible Assets |
(12.82%) | (8.41%) | (9.93%) | (9.04%) | (9.36%) | (8.82%) | (8.91%) | (8.97%) | (11.54%) | (8.55%) |
Average Days of Receivables |
314.93 | 357.63 | 436.25 | 503.23 | 640.88 | 755.20 | 781.91 | 837.02 | 958.30 | 1,058.18 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
38.68% | 36.48% | 35.25% | 36.12% | 35.55% | 35.58% | 38.52% | 39.12% | 38.76% | 38.56% |
Intangible Assets out of Total Assets |
0.00 | 0.00 | 0.00 | 0.02 | 0.02 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
0.75% | 0.81% | 0.69% | 0.84% | 0.62% | 0.86% | 0.85% | 0.91% | 0.90% | 0.88% |
Graham Net Nets |
(1.10) | (0.93) | (1.21) | (1.57) | (1.47) | (1.48) | (1.34) | (1.52) | (1.36) | (1.69) |
Graham Number |
196.82 | 143.23 | 143.33 | 116.79 | 119.42 | 99.59 | 87.32 | 74.29 | 73.29 | 51.52 |
Earnings Yield |
8.89% | 5.08% | 7.64% | 7.99% | 7.85% | 7.18% | 6.63% | 7.53% | 7.52% | 6.55% |
Free Cash Flow Yield |
10.38% | 8.99% | 8.81% | 13.57% | 10.44% | 11.48% | 8.35% | 10.87% | 8.22% | 8.47% |
Revenue per Share |
100.87 | 90.48 | 76.45 | 69.94 | 68.55 | 55.35 | 48.66 | 43.32 | 37.04 | 32.04 |
Operating CF per Share |
27.62 | 25.25 | 19.26 | 19.94 | 16.62 | 16.06 | 11.51 | 10.90 | 8.59 | 6.21 |
Capex per Share |
(0.80) | (0.86) | (0.94) | (0.68) | (0.62) | (0.69) | (0.60) | (0.31) | (0.15) | (0.29) |
Free Cash Flow per Share |
26.82 | 24.39 | 18.32 | 19.26 | 15.99 | 15.37 | 10.91 | 10.59 | 8.44 | 5.92 |
Cash per Share |
23.17 | 20.15 | 16.53 | 12.88 | 9.93 | 13.67 | 6.09 | 5.98 | 6.14 | 4.47 |
Shareholders Equity per Share |
74.95 | 66.17 | 57.46 | 53.46 | 52.68 | 45.82 | 39.18 | 33.33 | 31.12 | 25.76 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
74.95 | 66.17 | 57.46 | 53.46 | 52.68 | 45.82 | 39.18 | 33.33 | 31.12 | 25.76 |
Free Cash Flow |
875.13 | 832.86 | 658.62 | 731.86 | 632.27 | 615.80 | 460.08 | 464.55 | 384.79 | 280.76 |
Working Capital |
(5,859.57) | (5,592.82) | (5,806.96) | (5,219.62) | (5,077.63) | (4,359.59) | (4,094.62) | (3,592.75) | (3,035.42) | (2,565.01) |
Capital Expenditures |
(26.05) | (29.23) | (33.90) | (25.80) | (24.69) | (27.62) | (25.44) | (13.52) | (6.75) | (13.67) |
Net Current Asset Value |
(8,970.08) | (8,608.39) | (9,082.62) | (8,457.07) | (8,890.36) | (7,933.63) | (7,382.24) | (6,514.69) | (6,326.94) | (5,601.58) |
EV/EBIT |
9.58 | 10.99 | 11.26 | 9.47 | 11.54 | 15.52 | 16.63 | 12.06 | 13.44 | 10.87 |
Capex to Sales |
0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 | 0.01 |
Price to Operating Income |
8.65 | 9.87 | 9.69 | 7.50 | 9.41 | 10.59 | 11.54 | 10.30 | 12.26 | 9.82 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Cash ROIC |
17.60% | 17.19% | 14.19% | 16.06% | 14.17% | 15.01% | 13.27% | 15.15% | 13.70% | 12.16% |
Accounts Receivable Turnover |
1.12 | 0.98 | 0.79 | 0.63 | 0.58 | 0.49 | 0.47 | 0.43 | 0.38 | 0.35 |
Accounts Payable Turnover |
0.09 | 0.09 | 0.10 | 0.09 | 0.09 | 0.09 | 0.08 | 0.08 | 0.07 | 0.07 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
4,105.86 | 3,909.15 | 3,921.01 | 3,764.66 | 4,090.90 | 4,129.21 | 4,784.86 | 4,919.64 | 5,241.57 | 5,627.45 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Receivables |
2,933.45 | 3,155.88 | 3,474.43 | 4,210.85 | 4,673.02 | 4,492.56 | 4,376.82 | 4,395.70 | 4,419.35 | 4,352.51 |
Average Payables |
7,168.04 | 7,138.86 | 7,061.14 | 7,296.02 | 7,533.94 | 7,064.70 | 6,649.80 | 6,387.48 | 6,109.95 | 5,806.52 |
Average Assets |
14,797.18 | 14,804.88 | 14,834.58 | 15,382.32 | 15,514.26 | 14,296.91 | 13,141.79 | 12,527.88 | 11,949.82 | 11,024.86 |
Average Common Equity |
2,352.47 | 2,162.50 | 2,048.61 | 2,056.88 | 1,959.20 | 1,744.19 | 1,557.00 | 1,440.31 | 1,320.24 | 1,183.57 |
Columns are period end dates